Charter 8116 · Smithtown, NY
Teachers Federal Credit Union
Teachers Federal Credit Union is a federally chartered credit union in Smithtown, New York, with $9.92 billion in assets and 486,565 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 11.03%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as Teachers FCU.
- Total assets
- $9.92 billion
- +0.4% in a year
- Members
- 486,565
- +2.1% in a year
- Net worth ratio
- 11.03%
- Peer median 10.79%
- Loans 60+ days late
- 1.19%
- Peer median 0.67%
- Loans outstanding
- $5.83 billion
- +2.3% in a year
- Shares and deposits
- $8.22 billion
- -0.2% in a year
- Branches
- 34
- 974 employees
- Opened
- 1952
- Federal charter
How Teachers Federal Credit Union compares
NCUA groups credit unions by size; Teachers Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 11.03% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 1.19%, is higher than the group median of 0.67%. Loans grew 2.3% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 4 of 268 credit unions headquartered in New York. See all New York credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $9.92 billion | 486,565 | $5.83 billion | 11.03% | 1.19% |
| Q1 2026 | $9.94 billion | 478,252 | $5.73 billion | 10.81% | 1.19% |
| Q4 2025 | $9.92 billion | 472,407 | $5.74 billion | 10.58% | 1.29% |
| Q3 2025 | $9.90 billion | 484,208 | $5.62 billion | 10.69% | 1.21% |
| Q2 2025 | $9.88 billion | 476,519 | $5.70 billion | 10.49% | 1.24% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 343 million potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 34 sites for Teachers Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Holbrook
5439 Sunrise Hwy, Holbrook, NY 11741 - Farmingville
2410 N Ocean Ave, Farmingville, NY 11738 - Amityville
355 Broadway, Amityville, NY 11701 - Bay Shore
1360 Sunrise Hwy, Bay Shore, NY 11706 - Brookhaven National Lab (BNL)
2 Center St, Upton, NY 11973 - Central Islip
118 Wheeler Rd, Central Islip, NY 11722 - Commack
10 Vanderbilt Motor Pkwy, Commack, NY 11725 - East Northport
556 Larkfield Rd, East Northport, NY 11731 - Huntington
211 E Main St, Huntington, NY 11743 - Nesconset
127 Smithtown Blvd, Nesconset, NY 11767 - North Babylon
1134 Deer Park Ave, North Babylon, NY 11703 - Oakdale
951 Montauk Hwy, Oakdale, NY 11769 - Port Jefferson Station
5145 Nesconset Hwy, Port Jefferson Station, NY 11776 - Riverhead
176 Old Country Rd, Riverhead, NY 11901 - Rocky Point
561 Route 25A, Rocky Point, NY 11778 - Selden
301 Independence Plz, Selden, NY 11784 - Shirley
437 William Floyd Pkwy, Shirley, NY 11967 - Smithtown
47 Route 111, Smithtown, NY 11787 - South Setauket
260A Pond Path, South Setauket, NY 11720 - Headquarters (main office)
102 Motor Pkwy, Hauppauge, NY 11788 - Hauppauge Branch
102 Motor Pkwy, Hauppauge, NY 11788 - Wading River
6257 Route 25A, Wading River, NY 11792 - Manorville
460 County Road 111, Manorville, NY 11949 - Merrick
1638 Merrick Rd, Merrick, NY 11566 - Patchogue
31 W Main St, Patchogue, NY 11772 - North Massapequa
4250 Jerusalem Ave, Massapequa, NY 11758 - Kings Park
742 Route 25A, Kings Park, NY 11754 - Center Moriches
248 Main St, Center Moriches, NY 11934 - East Meadow
2557 Hempstead Tpke, East Meadow, NY 11554 - Stony Brook
1113 N Country Rd, Stony Brook, NY 11790 - Tampa Westshore
1510 N West Shore Blvd, Tampa, FL 33607 - Naples
10975 Tamiami Trl N, Naples, FL 34108 - The Shops at SunVet
5801 Sunrise Hwy Ste B8-190, Holbrook, NY 11741 - Lake Mary
850 S Sun Dr Ste 1020, Lake Mary, FL 32746
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology